Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
WRLD
HOLDWorld Acceptance Corporation · Financial Services · United States · $950M · Avg Vol: $26M/d
COMPANY DESCRIPTION
World Acceptance Corporation provides short-term small installment loans and related credit insurance products to individuals in the subprime credit market. Its competitive moat is derived from specialized underwriting capabilities and a vast network of physical branches that facilitate personalized customer relationships in a niche financial segment. The company serves a demographic often underserved by traditional lenders, focusing on responsible lending practices within its regulated environment.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 551.8M | 566.1M | 524.6M | 521.5M | 535.7M | -0.7% | 584.8M | 577.8M | 612.5M | 6.9% |
| EPS | 8.49 | 3.41 | 13.02 | 16.70 | 7.52 | -3.0% | 6.76 | 11.86 | — | 57.7% |
| Shares | 6.3M | 6.2M | 5.9M | 5.4M | 4.7M | -26.6% | 4.6M | — | — | — |
| Debt | 779.8M | 679.0M | 577.9M | 525.6M | 661.2M | -4.0% | 661.2M | — | — | — |
| Equity | 373.0M | 385.2M | 424.4M | 437.0M | 351.0M | -1.5% | — | — | — | — |
| Op CF | 272.4M | 291.6M | 265.8M | 254.2M | 259.4M | -1.2% | 259.4M | — | — | — |
| Inv CF | -451.9M | -180.6M | -135.1M | -152.8M | -232.9M | — | — | — | — | — |
| Fin CF | 182.9M | -113.7M | -135.3M | -103.5M | -6.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WRLD are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| WRLD | World Acceptance Corporation(you) | $950M | 61 | HOLD |
| GDOT | Green Dot Corporation | $753M | 62 | HOLD |
| ATLC | Atlanticus Holdings Corporation | $1.5B | 63 | HOLD |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.6B | 59 | HOLD |
| EZPW | EZCORP, Inc. | $1.8B | 66 | BUY |
| LPRO | Open Lending Corporation | $373M | 58 | HOLD |
| OPFI | OppFi Inc. | $1.3B | 77 | BUY |
| JCAP | Jefferson Capital, Inc. | $1.2B | 79 | BUY |
| WU | The Western Union Company | $2.6B | 67 | BUY |
| PRAA | PRA Group, Inc. | $648M | 36 | HOLD |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%